Clearcover Car Insurance Review 2024

Clearcover Car Insurance Review

Clearcover Car Insurance Review 2024 Clearcover is an ideal option for car owners who prefer managing their accounts and claims entirely through an app and don’t require extensive coverage. However, those seeking additional features like vanishing deductibles or accident forgiveness may need to explore other options. It’s crucial to evaluate the level of coverage you need before selecting an insurance provider. Consider factors such as your driving record, the value of your vehicle, and any potential risks that may arise while on the road. By doing so, you can make an informed decision about which insurance provider best suits your needs.

Clearcover Car Insurance Review 2024

Clearcover is a car insurance company that has been gaining attention in recent years. With its innovative online platform and competitive rates, Clearcover is changing the way people think about car insurance. In this Clearcover car insurance review for 2024, we will take a closer look at the company’s offerings, customer satisfaction ratings, and overall performance in the industry. Whether you’re a new driver or have years of experience behind the wheel, finding the right car insurance can be a daunting task. So let’s dive in and see if Clearcover is the right choice for you in 2024.

Pros Ans Cons

When considering Clearcover car insurance, it is important to weigh the pros and cons to determine if it is the right choice for you. Clearcover offers several benefits, including competitive rates, a user-friendly online platform, and quick claims processing. Their digital-first approach allows for a streamlined experience, making it convenient for customers to manage their policies and file claims. However, there are also some potential drawbacks to consider. Clearcover has limited coverage options compared to traditional insurers, which may not meet the needs of all drivers. Additionally, their customer service may be more limited compared to larger insurance companies. It is important to carefully evaluate these factors and compare them with your own priorities and preferences when deciding if Clearcover car insurance is the best fit for you.

Pros

  • Offers rideshare insurance for Uber and Lyft drivers.
  • Offers a 15% discount for military members.

Cons

  • Has a complaint level thatโ€™s more than three times the industry average.
  • If you want certain features such as new car replacement or accident forgiveness youโ€™ll have to look elsewhere.
  • Does not offer the specialty coverages of gap insurance, non-owner insurance or SR-22s.
  • Does not offer usage-based insurance for drivers who are willing to be monitored for the chance to get a discount based on good driving.
  • Offers only car insurance, so if you also need homeowners or renters insurance youโ€™ll have to buy that elsewhere. Youโ€™ll miss out on a bundling discount by buying from separate companies.

About Clearcover Car Insurance

Clearcover was established in 2018 in California and has an investment from American Family Ventures. The company exclusively offers six-month car insurance policies, believing that assessing driving records twice a year allows for more precise pricing. This approach also results in quicker adjustments to rates in case of accidents or traffic violations.

Clearcover Car Insurance

Clearcover is an innovative car insurance company that offers affordable coverage without sacrificing quality. They use advanced technology to simplify the insurance process and provide customers with personalized coverage options. With Clearcover, you can easily manage your policy online, file claims quickly, and receive excellent customer service from their knowledgeable team. Their mission is to make car insurance more transparent and accessible for everyone. Clearcover provides the standard types of car insurance coverage that are available at other car insurance companies.

Liability Car Insurance

Liability car insurance covers the medical costs for injuries and property damage caused by you in an accident, as well as any legal expenses in the event of a lawsuit related to a car accident.

Comprehensive Car Insurance

Comprehensive insurance covers the cost of repairing or replacing your car in the event of damage caused by fire, vandalism, flooding, falling objects, hail, or animal collisions, and also provides coverage in case of theft.

Collision Car Insurance

Collision insurance covers the cost of repairing or replacing your vehicle after it has been damaged in an accident, regardless of fault. It also provides coverage for damage to your vehicle if you collide with an object, such as a fence or tree. Comprehensive and collision insurance are typically sold as optional add-ons, and if you have a car loan or lease, your lender or leasing company will probably mandate that you purchase them.

Uninsured/Underinsured Motorist Insurance

Uninsured motorist coverage takes care of your medical expenses in the event that an uninsured driver causes an accident that results in injury to you or your passengers. On the other hand, underinsured motorist coverage handles the medical bills for you and your passengers if the at-fault driver does not have adequate liability insurance. It is mandatory in 22 states and can be chosen as an option in other states.

Personal Injury Protection (PIP)

In the event of an accident, PIP coverage will cover medical expenses and other healthcare costs for you and your passengers, regardless of fault. It also includes funeral expenses, lost wages, and basic services like child care. Personal injury protection insurance is mandatory in 15 states, optional in others, and not offered in some.

Medical Payments Insurance (MedPay)

Medical payments coverage (MedPay) will cover medical costs for injuries sustained by you and your passengers, regardless of fault. Its necessity varies by state, being mandatory in some and discretionary in others. Typically, MedPay is available in modest sums ranging from $1,000 to $5,000.

Other Coverage Types From Clearcover Car Insurance

You have the option to purchase extra coverage for different issues, like rental reimbursement insurance for when your car is being repaired or roadside service for when your car breaks down.

Alternate transportation coverage

If you can’t drive your car because of a covered incident, this coverage provides compensation for carpooling, rideshare services, public transit, or rental cars. There are limits to the amount you can receive per day and per incident. For instance, if you purchase $30/$900 alternate transportation coverage, Clearcover will reimburse you $30 per day, with a maximum of $900 per incident, for alternate transportation.

Roadside assistance service

If your vehicle experiences a breakdown, Clearcover will transport it to the nearest authorized repair facility. Their roadside assistance insurance includes three automotive emergencies for every six months, such as battery issues, flat tires, or mechanical failures.

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Auto Insurance Complaints Against Clearcover

Clearcover car insurance has complaint levels that exceed three times the industry average. The primary complaint against Clearcover involves canceled policies, with other grievances including policy nonrenewal, adjuster handling, unsatisfactory settlement/offer, and delays..

What Does Clearcover Car Insurance Cover?

Clearcover is a company that specializes in providing rideshare insurance coverage to drivers. However, it does not offer other types of coverage that may be available from other insurers such as accident forgiveness and gap insurance. While these additional coverages can provide peace of mind and financial protection in the event of an accident, they may not be necessary for every driver. It’s important to carefully consider your insurance needs and shop around for a policy that meets all of your requirements.

Does Clearcover Car Insurance Offer Accident Forgiveness?

Clearcover car insurance does not provide accident forgiveness insurance. This policy perk is offered by some other insurance companies, and it does not raise your car insurance costs if you are at fault for an accident.

Does Clearcover Car Insurance Offer New Car Replacement Insurance?

Clearcover car insurance does not offer new car replacement coverage. Typically, these policies will compensate you with a brand-new vehicle of comparable make and model instead of the depreciated value if your car is totaled due to a covered issue.

Does Clearcover Car Insurance Offer Gap Insurance?

Clearcover car insurance does not provide gap insurance, which covers the disparity between the amount you owe on your car loan or lease and the diminished value of your vehicle in the event of a covered incident, like a car accident.

Does Clearcover Car Insurance Offer a Diminishing Deductible?

Clearcover car insurance does not provide a disappearing or diminishing deductible for drivers who do not make claims.

Does Clearcover Car Insurance Offer SR-22s?

Clearcover car insurance does not offer SR-22 insurance, which is a court-ordered document that proves compliance with minimum liability coverage requirements and is typically necessary for high-risk drivers with a history of accidents or serious violations, such as a DUI conviction.

Does Clearcover Car Insurance Offer Usage-Based Car Insurance?

Clearcover car insurance does not provide usage-based insurance (UBI), which involves monitoring driving behaviors like acceleration, speed, braking, mileage, and phone usage to potentially earn a discount for safe driving.

Does Clearcover Car Insurance Offer Pay-Per-Mile Car Insurance?

Clearcover car insurance does not offer pay-per-mile insurance, which determines your rates based on your mileage and can be a more affordable choice for low-mileage drivers.

Does Clearcover Car Insurance Offer Rideshare Insurance?

Clearcover provides car insurance for individuals who work as rideshare drivers, such as those who drive for Uber or Lyft. This insurance is offered as an endorsement or add-on to an existing policy, and it protects drivers when they are online and available for rideshare services but have not yet picked up a passenger.

Clearcover Car Insurance Discounts

Clearcover differs from other car insurance companies by not providing a variety of car insurance discounts. Instead, it incorporates discounts into its regular pricing, without the need for safe driving, paying in full, online billing, or vehicle safety features. However, it does offer a 15% discount for active duty military personnel and an additional 25% discount for Louisiana drivers on active duty and their children under age 25.

Summary

Clearcover car insurance offers a modern and streamlined approach to auto insurance, making it a great option for drivers looking for affordable coverage without sacrificing quality. With its user-friendly interface, competitive rates, and convenient mobile app, Clearcover makes it easy to manage your policy and file claims. Whether you’re a new driver or have years of experience behind the wheel, Clearcover’s comprehensive coverage options and personalized customer service ensure that you’re protected on the road. If you’re in the market for car insurance, consider giving Clearcover a try.

Faqs: Clearcover Car Insurance Review 2024

How can I get a quote from Clearcover?

Clearcover lets you get a quote online or by phone at 855-444-1875.

What is Clearcover am best rating?

Clearcover has an A.M. Best Credit Rating of โ€œA- or Excellentโ€, a Credit Rating scoring opinion of an insurer’s financial strength and ability to meet their ongoing insurance policy and contractual obligations.

Is clearcover in california?

Chicago-based digital MGA Clearcover is now live in California; offering auto insurance with the option of ridesharing coverage underwritten by Response Indemnity Company of California (owned by Fortegra).

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